For the quarter ended September 2025, Citigroup (C) reported revenue of $22.09 billion, up 8.7% over the same period last year. EPS came in at $2.24, compared to $1.51 in the year-ago quarter.
The reported revenue represents a surprise of +4.53% over the Zacks Consensus Estimate of $21.13 billion. With the consensus EPS estimate being $1.91, the EPS surprise was +17.28%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Citigroup performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Net Interest Margin (FTE): 2.4% versus 2.4% estimated by six analysts on average.
- Efficiency Ratio: 64.7% compared to the 65% average estimate based on six analysts.
- Book value per common share: $108.41 versus the five-analyst average estimate of $108.46.
- Average balance - Total interest-earning assets: $2472.07 billion versus $2407.7 billion estimated by five analysts on average.
- Markets Revenues, net of interest expense: $5.56 billion compared to the $4.98 billion average estimate based on two analysts. The reported number represents a change of +15.5% year over year.
- Services Revenues- Total non-interest revenue: $1.54 billion versus $1.57 billion estimated by two analysts on average. Compared to the year-ago quarter, this number represents a -3.3% change.
- Revenue by component- Markets- Fixed Income markets- Fixed Income markets Total: $4.02 billion compared to the $3.69 billion average estimate based on two analysts. The reported number represents a change of +12.4% year over year.
- Wealth Revenues- Total non-interest revenue: $832 million versus $868.47 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +8.2% change.
- Markets Revenues- Total non-interest revenue: $3.31 billion compared to the $3.24 billion average estimate based on two analysts. The reported number represents a change of -2.9% year over year.
- Banking Revenues- Total non-interest revenue: $1.57 billion compared to the $1.14 billion average estimate based on two analysts. The reported number represents a change of +46.7% year over year.
- US Personal Banking (USPB) Revenues- Total non-interest revenue: $-363 million versus the two-analyst average estimate of $-276.96 million. The reported number represents a year-over-year change of +46.4%.
- Revenue by component- Markets- Equity Markets: $1.54 billion compared to the $1.29 billion average estimate based on two analysts. The reported number represents a change of +24.3% year over year.
View all Key Company Metrics for Citigroup here>>>
Shares of Citigroup have returned -3.7% over the past month versus the Zacks S&P 500 composite's +1.1% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
Citigroup Inc. (C): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
Zacks Investment Research
